HVAC Financing in Tulsa
Updated 2026-08-11
Monthly payments for a new AC, furnace, heat pump, or full system replacement through Hearth. Soft credit check, no impact to your score.
Financing your HVAC project through Hearth
Airo works with Hearth so Tulsa homeowners can spread the cost of a new system, a full replacement, or a larger repair over monthly payments that fit the budget. One soft-credit application at Hearth shops your loan across 8 to 10 lending partners at once, so you see multiple offers side by side without touching your credit score.
What Hearth offers
- Loans from $1,000 to $250,000
- Terms from 2 to 12 years
- APR 7.99% to 36.99% based on credit tier
- Funding in 1 to 5 business days, sometimes as fast as 24 hours
- No prepayment penalties
- Soft credit check at application
- Applies to a wide range of home improvement projects
- Promotional 0% APR available on select credit card offers
Hearth is a broker, not a lender. That single soft-credit application at Hearth returns offers from multiple lending partners so you can compare monthly payments, terms, and APRs and pick the one that fits your budget instead of applying to each lender separately.
Approval range by credit tier (Hearth published rates): Excellent credit (741 and up) sees about an 89% approval rate with APRs starting at 7.99%. Good credit (681 to 740) sees about 80%. Average credit (661 to 680) sees about 70%. Credit scores 550 to 660 still see about a 58% approval rate at APRs on the higher end of the range.
All loans are subject to credit review and approval. For example, a $10,000 loan with an APR of 14.50% and a term of 36 months would have a monthly payment of $344.21. Hearth is a technology company, which is licensed as a broker as may be required by state law. Hearth does not accept applications for credit, does not make loans, and does not make credit decisions. NMLS ID# 1628533.
What you can finance with Airo
How it works
Free estimate at your home
We diagnose the problem or scope the installation and give you a written quote before any financing conversation starts.
Check your rate through Hearth
Use our Hearth link to fill out a short application from your phone. It only takes a few minutes and uses a soft credit check.
Compare offers from multiple lenders
Hearth shops your application across 8 to 10 lending partners and shows you the offers side by side so you can pick the payment that fits.
Pick your plan and we schedule the work
Once you've accepted an offer, Hearth funds the loan in 1 to 5 business days and we get the job on the calendar. Payments go directly through your lender, separate from your invoice with Airo.
Frequently asked questions
Will checking my rate affect my credit score?
No. Hearth uses a soft credit check to show you what you qualify for from multiple lending partners. Your score is only pulled formally if you accept an offer and move forward with hard funding.
How fast can I get funded?
Hearth loans typically fund in 1 to 5 business days, and sometimes as fast as 24 hours. Once your loan is funded, we can schedule the work right away.
Can I use financing for an emergency repair?
Yes. Any repair or installation of $1,000 or more qualifies for Hearth financing. Since applications typically fund in 1 to 5 business days, financing works well for planned replacements and larger emergency repairs.
What if my credit is less than perfect?
Hearth shops your application across 8 to 10 lending partners covering a wide range of credit tiers. Excellent credit (741 and up) sees approval rates around 89% with APRs from 7.99%; credit scores in the 660 to 550 range still see about a 58% approval rate but with APRs on the higher end of the 7.99% to 36.99% range.
Are there prepayment penalties?
No. Hearth-partnered loans do not carry prepayment penalties. Pay off early to save on interest.
Does Hearth offer 0% financing?
Hearth offers promotional 0% APR periods on select credit card products. The 0% APR applies only during the promotional period; APRs increase after the promotional period ends. Your available offers depend on your credit and are shown after your soft credit check.
Ready to see your options?
Checking your rate costs nothing and doesn't affect your credit.
Airo Heat & Air is not a lender. Financing is provided by third-party lenders through Hearth, subject to their approval terms.
Hearth disclosure
All loans are subject to credit review and approval. For example, a $10,000 loan with an APR of 14.50% and a term of 36 months would have a monthly payment of $344.21.
Hearth is a technology company, which is licensed as a broker as may be required by state law. Hearth does not accept applications for credit, does not make loans, and does not make credit decisions. NMLS ID# 1628533.